DeliveryTiem

[solid tusk]

If you are using a us_bank_account payment method then you do need to collect a mandate.

https://stripe.com/docs/payments/ach-debit/accept-a-payment

[fallow minnow]

Ah okay, thanks for letting me know about this I hadn't seen this.

I thought that if you marked a payment method as set up for future use then it wouldn't need anymore customer interaction.

[solid tusk]

Well you can collect/confirm the mandate in the initial payment process when you are also setting it up for future usage.

[fallow minnow]

So when we initially take the payment via the 1st payment intent, I have this option set to off_session: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-setup_future_usage

[solid tusk]

But banks can also change what they wish to require

[fallow minnow]

What do you mean by that, if you can answer it in another way?

[solid tusk]

The banks we communicate with are at liberty to change what information they require to process a payment. Examples include mandates and 3DS authentication.

[fallow minnow]

So for example, I can get the user's bank info and add it to a payment intent and set the intent's 'setup_future_usage' to 'off_session', but the bank can still request authentication/mandates from the customer to approve a payment through that bank account when I create a new payment intent in the future?

[solid tusk]

It does not happen very often but yes, it can happen.

In that case your integration should be set up to request the customer come back on-session and confirm the payment (which will re-authenticate their payment method with the bank)